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SRG Finance Secured Loans

Use a car, motorcycle or jewellery to get a secured personal loan from SRG Finance.

If you’re looking to borrow a larger amount of money, then a personal loan from SRG Finance may be an option for you. They offer a flexible secured personal loan that can be used to finance a range of purposes.

As with any secured loan you use an asset as a guarantee, but the difference with SRG is that this asset can be an item you already own. By using an asset you already own, or having SRG Finance organise a hire purchase agreement to use a newly-purchased asset, you can get quick access to your loan amount. The turn-around time is usually within 48 hours.

Alternative to SRG Finance Loans

Rates last updated August 19th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
Citi Personal Loan Plus
From 8.99% (variable)
9.96%
$5,000
3 to 5 years
$10
$199
Borrow up to $75,000 to use for a range of purposes. You’ll receive a rate of between 8.99% p.a. and 17.99% p.a. depending on your risk profile. (Comparison Rate of 9.96% p.a. to 18.91% p.a.)
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
Based on your risk profile, you will receive a tailored rate between 7.5% and 20.49% with a SocietyOne personal loan.
HSBC Personal Loan
From 9.5% (fixed)
10.06%
$5,000
1 to 5 years
$5
$150
A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.
Latitude Low Rate Personal Loan (Unsecured)
10.99% (fixed)
12.21%
$20,000
2 to 7 years
$13
$250
A low rate unsecured personal loan you can repay over terms of 2- to 7 years. Only available to homeowners.
NAB Personal Loan Unsecured Variable Rate
Headline rate 12.69% (variable)
13.56%
$5,000
1 to 7 years
$10
$150
Based on your risk profile you will receive a tailored rate between 10.69% p.a. and 18.69% p.a. (comparison rates between 11.58% p.a. and 19.53% p.a.)
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$5,000
3 to 5 years
$0
$500 (Upfront fee)
Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a.. based on your credit history.
RateSetter 3-Years Personal Loan
From 7.17% (fixed)
9.72%
$2,001
0.5 to 5 years
$0
$220
RateSetter offers loans with terms ranging from 6 months to 5 years and comparison rates from 6.39% p.a. - 11.08% p.a. based on your risk profile.

Interest and comparison rates calculated for a 3-year loan term.
Sydney CU Special Offer Unsecured Personal Loan
From 7.99% (variable)
7.99%
$5,000
1 to 7 years
$0
$0
An unsecured personal loan with a special offer low introductory rate and no annual or monthly fees.
NOW FINANCE Personal Loans
From 7.95% (fixed)
9.56%
$5,000
1.5 to 7 years
$13
$395 (Based on $10,000)
Get rewarded with a low interest rate for your good credit history. Rates from 7.95% p.a. to 16.95% p.a. depending on your credit score.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
An unsecured loan with a tailored rate from 13.99% p.a. to 29.99% p.a. designed for multiple purposes including renovating, buying a car or travelling.
Pepper Money Unsecured Fixed Rate Personal Loan
From 9.99% (fixed)
9.99%
$5,000
1 to 7 years
$0
$0
Apply for up to $50,000 and receive conditional approval within minutes. Interest rates range from 9.99% p.a. to 21.74% p.a. The rate you are approved for depends on individual circumstances.
CUA Unsecured Fixed Rate Personal Loan
11.99% (fixed)
11.99%
$5,000
1 to 7 years
$0
$0
Apply for a loan up to $60,000 and keep repayments manageable with a competitive fixed rate.
MyState Unsecured Personal Loan
12.99% (variable)
16.42%
$3,000
1 to 7 years
$10
$200
Apply for up to $50,000 and make additional repayments at any time without penalty.
Westpac Unsecured Personal Loan
12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$250
A competitive, fixed rate personal loan that allows you to make extra repayments.

Compare up to 4 providers

Things to consider about a secured loan from SRG Finance

By taking a secured loan from SRG Finance you can use an existing asset as collateral to borrow a larger amount of money than you may normally have access to. You should understand that offering the asset as a guarantee means that it can be sold if you default on the loan. This is to recover the funds that were lent to you.

Another convenient service that SRG Finance offer is they can secure a loan against an item you are planning to buy. They do this by organising a hire purchase agreement for the item, whether that be something you need for your business, or even an item for your home.

Features of a secured loan from SRG Finance

  • Fixed rate. The SRG Finance secured loan comes with a fixed interest rate. This means that for the life of the loan your interest will not be changed, so you’ll have the chance to work out your budget and better manage your loan repayments.
  • Repayment period. As you’re using an asset as a guarantee with the loan, SRG Finance are able to offer a longer repayment period. This can give you time to pay back your loan, although keep in mind that interest will build up over time.
  • Flexible lending criteria. People with bad credit may apply for this loan as SRG Finance will be able to use the secured asset to reclaim lost funds if they default, meaning less of a risk.
  • Repayment options. This feature gives you the choice of making repayments either weekly or monthly. You’ll have the chance to line up your loan repayment schedule with your payment cycle, helping you to better manage your repayments.

How much will the loan cost?

Costs vary depending on how much you borrow, the loan term and what type of loan you're applying for. You'll be offered a loan contract from SRG Finance that will detail the costs. You should go over this before you agree to the loan terms.

How to apply for a secured loan from SRG Finance

When you’re applying for a secured loan from SRG Finance online you’ll need to access the application form, and you should be ready to enter your personal details to make the process running. After filling out the application form you can click the ‘Submit Application’ button. Normally you’ll get approval of the loan within two hours.

You will need to submit 90-days worth of bank statements to show evidence of a regular income being deposited directly into your bank account.

In getting secured loan from SRG Finance you should meet certain eligibility requirements:

  • You’re an 18-year-old Australian citizen or a permanent resident
  • You've resided for more than three months at the same address
  • You pass SRG Finance’s credit rating check
  • You don’t have an unresolved bankruptcy
  • You’re not a part of any Part IX or X Debt Agreement.

A secured personal loan from SRG Finance can help you access finance by using an asset as a guarantee. Whether you’re looking to make a purchase for your home or business, or need to borrow a larger amount of money and have an asset that you can use as security, SRG might be an option to consider.

SRG short term loans

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Personal Loan Offers

Important Information*
HSBC Personal Loan

A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.

SocietyOne Unsecured Personal Loan

Based on your risk profile, you will receive a tailored rate between 7.5% and 20.49% with a SocietyOne personal loan.

Latitude Personal Loan (Unsecured)

An unsecured loan with a tailored rate from 13.99% p.a. to 29.99% p.a. designed for multiple purposes including renovating, buying a car or travelling.

Citi Personal Loan Plus

Borrow up to $75,000 to use for a range of purposes. You’ll receive a rate of between 8.99% p.a. and 17.99% p.a. depending on your risk profile. (Comparison Rate of 9.96% p.a. to 18.91% p.a.)

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